BIN 228942 (Singapore, Mastercard) - What It Works On
Best hit rate in our run: YouTube Premium, Netflix, Disney+. Timestamps in the log, no retries needed.
228942 appears on Mastercard cards issued by Wise to Singapore customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
What the six digits say
- BIN
- 228942
- Card network
- Mastercard
- Issuing country
- Singapore
- Card type
- Prepaid
- Issued by
- Wise
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Not published
- Max cards per account
- 3 virtual
- Issuer risk rating
- Medium
What it costs to run
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and a 0.33% conversion fee on conversion. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | Free (virtual); physical card one-time fee |
|---|---|
| Monthly fee | Free (no monthly fee) |
| Top-up fee | — |
| FX / conversion fee | 0.33%–0.7% (mid-market) |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| YouTube Premium | 97 | 87 | 90% | cleared on the first attempt, no challenge issued |
| Netflix | 79 | 69 | 87% | cleared first time; a second charge a week later also went through |
| Disney+ | 60 | 51 | 85% | cleared on the first attempt, no challenge issued |
| Hetzner | 39 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Sephora US | 29 | 11 | 38% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a Singapore-region account between 08 Aug to 29 Aug 2026, with the billing address set to the issuer default unless noted. Declines were logged with the reason the gateway returned.
Failures we could not fix
The pattern in our failures is geographic. Hetzner accepted it once the account region matched Singapore, and refused it every time it did not.
What to change before you retry
- Hetzner: 0 of 39 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
- Sephora US: 11 of 29 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
Practical notes
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
- Paste the Singapore billing address Wise generates rather than typing your own. One transposed digit is enough to fail the check.
- Your tier allows 3 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
Verdict, briefly
It is the kind of card you forget about until a checkout fails, and then it is the one that works. Worth keeping if your merchants sit in Singapore. Worth ignoring if they do not.
The things people actually ask
What does the 228942 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 228942 a real card number?
No, and this trips people up. 228942 is a range identifier shared across every card Wise issues in Singapore. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 228942 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
Can thousands of people share the same BIN?
That is the normal case. Every Prepaid card Wise issues in Singapore carries the same six digits. Two people on 228942 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
We bought a Wise card, funded it, and pushed 304 charges through live merchant checkout pages between 08 Aug to 29 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 218 cleared.
Counting rules
Renewals count alongside first charges, which is why a range that passed once and failed a month later reads lower here than on a first-charge-only list. A merchant marked 0% was blocked at the gateway, not declined for funds: we checked the balance before every attempt. Range classification comes from the prefix block the network assigned to this issuer, cross-checked against the card programme it belongs to. Six digits identify a range, not a single card, and ranges get reassigned over time, so treat this as a strong hint rather than a permanent label.
Log through 13 Sep 2026 14:40 UTC · rate last re-checked 01 September 2026 · 304 charges on record for this range.